#以太坊行情解读 Holding a million in idle funds, earning an 8% annual yield on USDT - it sounds safe, but in fact, it just lets the money sleep.

Recently, a fan asked me why keeping 1 million to earn interest still feels slow. I asked him to send a screenshot of his account, and upon looking at the setup, the problem became clear: all the money is just lying there and hasn't "come alive" at all.

The secret of large funds is not to put all your eggs in one basket, but to understand how to layer them. I will teach you this method:

**First Layer: 20% Stable Returns**

Interest, locking up assets, platform activities - this part is the anchor. It's not about getting rich, it's about ensuring that I will never be overly anxious, having a psychological safety net.

**Second Layer: 50% for Low-Risk Swing**

This is not about chasing highs and cutting losses. For example, the other day Ethereum dropped from 3435 to 3160; at this position and risk level, it's clear to see. Using 50% of your position to make a move is disciplined and can yield stable profits. The key is to wait for the "safety margin" point to appear, rather than acting on a whim.

**Third layer: 30% reserved for black swans**

This is the flexibility of funds. No one knows when the next hundredfold opportunity will come, but when it does, you must have the bullets ready. There was once a new coin that lacked support, and we discovered the anomaly in advance, directly riding the short to catch the first wave of the cleanest drop. It was just because that 30% idle capital was always there.

The beauty of this configuration lies in the fact that it allows you to steadily gain returns while not missing out on the real opportunities presented by the market. When the market takes off, you can quickly amplify your earnings; when the market is quiet, the basic returns serve as a cushion.

This is how money comes to life. Large funds never put all their eggs in the interest basket and wait slowly; they assign different tasks to every penny—some are responsible for stability, some for growth, and some for seizing opportunities.

Remember this: opportunities always exist, it's just that most people's funds are not designed to be "grabbable at any time".

$BTC $ETH